# HARDIN COUNTY BANK
SAVANNAH, TN · FDIC certificate 20993 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $676.7M | |
| Deposits | $600.3M | |
| Loans and leases | $519.2M | |
| Total equity | $64.1M | |
| Loans / deposits | 85.58% (p60 of band) | 82.04% |
| Liquid assets / assets | 18.20% (p25 of band) | |
| Uninsured deposits / deposits | 16.32% (p16 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.84% (p51 of band) | 10.81% |
| Unrealized securities loss / equity | -20.15% (p23 of band) | -8.10% |
| AOCI / equity | -0.14% (p63 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 4.08% (p59 of band) | 3.91% |
| Efficiency ratio | 57.93% (p39 of band) | |
| Noncurrent loans | 0.16% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 639.88% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 110.07% (p90 of band) | |
| Auto loans | $6.6M (1.27% of loans; DQ 1.49%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | noncurrent p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | charge-offs p90 |  |
| 2015-03 | 3 |  | charge-offs p90 |
| 2015-06 | 6 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2015-09 | 5 |  | wholesale funding >15% |
| 2015-12 | 5 | capital falling | noncurrent p90 |
| 2016-03 | 3 |  | charge-offs p90, capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | brokered >10% |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 | brokered >10% | reserve under noncurrent |
| 2017-09 | 4 | wholesale funding >15%, reserve under noncurrent |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | charge-offs p90 | wholesale funding >15% |
| 2018-06 | 3 |  | charge-offs p90 |
| 2018-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2018-12 | 5 | wholesale funding >15%, reserve under noncurrent |  |
| 2019-03 | 3 |  | wholesale funding >15%, reserve under noncurrent |
| 2019-06 | 2 |  | uninsured deposits leaving |
| 2019-09 | 2 | reserve under noncurrent | brokered >10% |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving | construction >100% equity |
| 2023-12 | 2 | charge-offs p90, construction >100% equity | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | construction >100% equity, charge-offs p90 |
| 2025-06 | 1 | construction >100% equity |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-19 [Business Spotlight – Adam Milligan, Commercial Bank & Trust - Talk-N West TN](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaHdPS2tGbVJkNlFvWUtEWDJwc1RmelpUeEg2ZDFINFJFcnprN2RoUTBxX2ZOeDNHRzhwYmNjVG9GejJzbjhwbDJUeEgyZ2NIYWt1VXpkRk9Dd3BYYmNOaERoVE1IZnY0TW12WFF0WlVXZmJ4WUhqXzc5MGFQaXREZFZURXlKdw?oc=5) · Talk-N West TN
- 2021-02-18 [Annie Jean Harrison Obituary Feb 18, 2021 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTFBCemdQWGVWdXdNLWVQcmFzc1lGTTdQVldnT0NfOEhhMkI3Rm9Od196Mnlja09JRmtnSEU1WVF0LU9oYWhJbDRMN2pXNk5zNDM4X3RqOXpHcm84NGRpcmJIa1JyNU9FN2I2NnN2RnlqNGN3ak5sbHFHWg?oc=5) · Shackelford Funeral Directors
- 2021-03-08 [First Farmers hires new private banking officer - columbiadailyherald.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPTldlbjNDcVlFRmhocklZVk5SRWdhQ3UzMGdYd1JPUmZMSEQxdExWVzN5UVZTWE5yRGJ1UkNyelNhM282MGl4d1RtVTRUOWhSNzlHSzBjV0JMZElfbnlia1NoNlRlUjJzQkxkb0UwR0RPODgyUFVoR08xcko1OURtbzI3MUdUWUFFSTlibWU3RlBDeHZCdkNFVWIwbGRRY3RFbFVDWk9oWjJtXzFiMnJmVnVSZXhKUDNwUjltYjN6Z3d1bnhObm5ZUWJnZHQ?oc=5) · columbiadailyherald.com
- 2026-08-13 [Timothy Charles Surratt, of Stantonville - courieranywhere.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxORld2b2UwVm12RU5pTXB5STIzYkdyQkZoM203TUkzNUV0d0lYXzdZV3pTVG1wTDBPZmxPd1VPZFNBNlVyNzY2X21SZmlGNUUyVldHWGFFenlDczBJRGF1NURxa2hCSUhicjJjQzNYdUtaXzRvMl9mdVp0dUtDaUlOcnZKX25QeERpNEFzdG1QVQ?oc=5) · courieranywhere.com
- 2015-06-22 [Tennessee Bankers Association Elects New Leadership - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbk5pLUZsODUwWE1weWYtNGdTYU1mb2VaZ1F6eG1sWHhKX051YmVqSXlHbUh4cHFSemh1MGgzNUNzVXpCMENwbW40d0wyM0JUZjhHaFV4dWRMTU5ybExxQTFSWHg4ZlBiLU0zdFYwXzZtYzZyalhhZEhtU0pIMEdFczZ0ZGlXN25vTEJJYlgxMmk?oc=5) · Chattanoogan.com Breaking News
- 2026-01-17 [Book Review: Kathy Bingham Turner and co-author Leon Alligood deconstruct a Depression-era lie - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNeFhFeU1Rc2F1Q3ZzdTNXcmtXVklmQ1ZlZi1ZTDRKZmFMMktoWFl2ZmpfMHFwTmNWZGxUaU9YR28xbjZEejlrMW9YRUYwNW14b25XeDZTOU9qZGIwNEJBLVRub3JwYV9hbllnYTVsY1M3OS0yQkpNU3QzOXI0b2h6ZUJaeE1Ydlc5dXRVb0JDZXNpc1BpNURqUEFaUQ?oc=5) · Chattanooga Times Free Press
- 2015-11-14 [Java Reynolds Stanley Obituary Nov 14, 2015 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQzNENGpvY0FHWGtPQ05NMkZrSDhlNldrTGJZaVowWU5xZXpRd19hNVRhN0RlMUk2QU9vOXFoZlRrdk1kU3p6dHJpQXoteFdWUEpjVDdnNHRfVHZRd1ZybDFmR1Q5Z0hJa0YwSHNUUlZkaXh3U21lcGlUOXNwek1SazVB?oc=5) · Shackelford Funeral Directors
- 2014-04-27 [Joel Stephen (Steve) Smith Obituary Apr 27, 2014 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMic0FVX3lxTE1VeW45NFpVMkY4blQwTzZSd1poa1VkSXkxdmFFUHJ5c3k5LVd5ZVgyNWVjZkN4RjRXLXpuNzUwczdZb2poNFhEYXJkM1V1U3E3RFRUeGMtMDFjWGg5TEFxa08xODR3UEJNQXowZGd1dmZELWM?oc=5) · Shackelford Funeral Directors

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20993 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "20993", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide